Medigap Basic Benefits

All Medigap policies must cover a basic set of benefits. These basic benefits include most Medicare Part A and Part B coinsurance amounts, blood, and additional hospital benefits not covered by Original Medicare. Part A Hospital Coinsurance Days 61-90 of a hospital stay in each Medicare benefit period Days 91-150 of a hospital stay. Medicare will only pay for these 60 days once during your lifetime Additional Part A Hospital Benefits An extra 365 days of inpatient hospital care after you use your Original Medicare hospital benefits Part B Coinsurance Pays Full or Partial Coverage for the Part B coinsurance after you meet your annual deductible. Pays Full or Partial Coverage for the first three pints of blood per calendar year. Part A Hospice Coinsurance Pays for coverage of certain “Medicare covered” Part B drugs obtained in a doctor’s office, pharmacy or in a hospital outpatient setting and inpatient respite care coinsurance. Plan N covers the Part B co-insurance except for a co-payment of $20 dollars for some office visits and $ 50.00 dollars for emergency room visits that don’t result in a hospital admission.